Home insurance features

All you need to know about home insurance, coverage, premiums...
According Unespa's Insurance 2013 Company Report, insured homes are subject to 5.5 million losses each year, of varying degrees of seriousness. A sudden overflow of water, glass that breaks in a variety of ways, fires that get out of control and burglary, which occurs more often than we would like…As you know, in a home almost anything can happen. That is why, it can never hurt to have home insurance that helps us to deal with these setbacks without hurting our pockets. But, how do you choose the best home insurance? What factors do you have to take into account in order to not pay more than necessary and to not fall short in the coverage, etc.?
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What you value the most deserves the best protection.

The best thing to do is to compare online and then, at the end, select the one that best suits your needs, as it is about creating an insurance that fits you. In the Spanish market there are three types of home insurance: you can choose to protect the building (structure and construction), the contents (the goods it contains, namely furnishings and household appliances) and public liability. Each of these types of insurance normally can be taken out individually, although it is possible to bungle them into a single, "multi-risk" insurance policy.

At BBVA España, for instance, we have up to four coverage packages and five formats for homeowners, ensuring that your home will always be protected in the event of any damage. Each of our policy types includes additional services at no extra cost, and the option to swap your current policy for another should your needs change, or even finance it as needed.

At BBVA we cover you whether you are a homeowner or a tenant:

  • If you rent, you can take out the BBVA insurance designed especially for tenants, which covers accidental damages to the home caused by the tenant, a special guarantee for home damages, accidental damages to the property's content by the policy holder, burglary, lock replacement, and robberies outside of the property, among others.
  • If you are a homeowner, we have four insurance packages which, combined, offer five types of insurance policies (Esencial, Más, Seguridad, Más Seguridad and Cobertura Total).

Choose the type of BBVA Vivienda insurance according to your coverage needs:

  Basic protection Breakages, electrical and refrigerator damage Extended protection
and theft
High value extensions
 
Essential
modality
Basic protection
Breakages, electrical and refrigerator damage
 
Extended protection and Theft
 
High value extensions
 
 
Modality
More
Basic protection
Breakages, electrical and refrigerator damage
Extended protection and Theft
 
High value extensions
 
 
Security Modality
Basic protection
Breakages, electrical and refrigerator damage
 
Extended protection and Theft
High value extensions
 
 
More Security Package
Basic protection
Breakages, electrical and refrigerator damage
Extended protection and Theft
High value extensions
 
 
Total Coverage Modality
Basic protection
Breakages, electrical and refrigerator damage
Extended protection and Theft
High value extensions

The Basic Protection package includes the main coverage; you can extend it with the following insurance coverage, for greater protection:

  • Breakage, electrical and refrigerator damage.
  • Extended protection and theft
  • If you take out these additional packages, you can access the High Value Extensions package.
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And choose the one that best fits your needs.

From the moment you take out BBVA Vivienda insurance, you can access useful services at no extra cost such as the Manitas Service, where we will send a professional to your home to help you with small DIY tasks. Our insurance also has a computer assistance service, online and at home, to help solve your questions and problems with your computers, tablets or smartphones. We also offer a maintenance service for wear and tear and small repairs.

We offer our customers the possibility of passing on to our branches the cost of claims for glass breakages, water and fire damage. This means that, if for example, a glass table breaks and you ask a glazier to repair it for you, you can bring the bill to our branches and we will pay it immediately. The bill must be less than 1,000 euros and at least 3 months must have passed since you took out the insurance and since the payment of any previous claim.

But wait, there is still more. You can take out two other services: the white goods breakdown repair service for washing machines, dishwashers or fridges and the so-called "Express Service", whereby we promise to get to your home even quicker in the event of an incident. If we fail to meet this, we will reimburse your insurance premium for the current year in the next annuity.

Have you been convinced? The requirements to take out BBVA Vivienda insurance are very simple: the home to insure must be in Spain and must meet other requirements regarding its age, building materials and location. Find out more at bbva.es.

Insurance companies: Product 50% co-insured, respectively, by BBVA SEGUROS, S.A., DE SEGUROS Y DE REASEGUROS, listed in the registry of the Directorate-General for Insurance and Pension Funds under number C-0502, and LIBERTY SEGUROS, COMPAÑÍA DE SEGUROS Y REASEGUROS, S.A., registered with the Directorate General of Insurance and Pension Funds, with password C-0467.

Broker: BBVA MEDIACIÓN, OPERADOR DE BANCA-SEGUROS VINCULADO, S.A., listed in the Special Administrative Register of Insurance Brokers of the Directorate-General for Insurance and Pension Funds under registration number OV-0060. With public liability insurance arranged and sufficient financial resources.

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